Charles Schwab in partnership with 4-H is bringing investing and finance curriculum to hundreds of thousands of kids in the state. The comprehensive leadership program offers several curricular options in addition to the traditional skills of rural life. Technology, engineering, health, and, thanks to Charles Schwab, financial literacy are also integral to the program. The collaboration with 4-H and its rural-leaning population balanced the firm’s Boys & Girls Clubs assistance, which were usually in more urban settings. Through its 65,000 members and other relationships with schools, 4-H reaches between 600,000 and 800,000 kids each year. Schwab provides guidance and expertise to develop the 4-H financial literacy curriculum, which is delivered through the organization’s network of clubs and school programs. “Schwab also offers a training program for its employees who wish to become a financial literacy volunteer at one of the company’s nonprofit partners or a location of the employee’s choice. The digital training course prepares them to deliver the resources that the company has developed in collaboration with partners. The company has a robust culture of volunteering. Last year, 2,400 employees based at Schwab’s Westlake headquarters contributed nearly 33,000 volunteer hours to a variety of causes, with many focusing on financial literacy. Nationwide, 12,300 employees volunteered 160,000 hours last year. Schwab has committed significant resources to its financial literary program with 4-H, called Smart Sense. The program is delivered at in-person 4-H events and is also available digitally through 4-H’s free online program, Clover. The online platform gamifies financial education to make it more engaging and accessible to this generation of digital natives. Over the past two years, Schwab has invested more than $1 million in the program and its educators, adding six new personal finance courses, a mobile app, educator training, and a national promotion effort. The Charles Schwab Foundation contributed more than $21 million to nonprofits nationwide last year, including $3.3 million to local organizations. The 4-H collaboration helps to build on its reputation and diversify the youth organization’s curriculum. Its programs provide a comprehensive leadership and educational development program that covers all types of topic areas.
Meta is rolling out a standalone AI app that can create personalized responses by drawing on the information the user has already chosen to share on Meta products
After integrating Meta AI into WhatsApp, Instagram, Facebook, and Messenger, Meta is rolling out a stand-alone AI app which allows users to access Meta AI in an app, similar to the ChatGPT app and other AI assistant apps. To win over users, Meta is trying to leverage what makes it different from companies like OpenAI and Anthropic — Meta already has a sense of who you are, what you like, and who you hang out with based on years of data that you’ve likely shared on Facebook or Instagram. Meta’s AI app can differentiate itself from existing AI assistants because it can “[draw] on information you’ve already chosen to share on Meta products,” the company said, such as your profile and the content you engage with. So far, these personalized responses will be available in the U.S. and Canada. You can also give Meta more information about you to remember for future conversations with its AI. Meta’s AI app also introduces a Discover feed, where you can share how you’re using AI with your friends — in a mock-up image, Meta shows someone asking the AI to describe them in three emojis, which they then shared with their friends. A user’s interactions with Meta AI will only be shared to the feed if they choose to do so.